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AIR MILES®*** reward miles for business or pleasure with no annual fee.

Fees

Pay no annual fee for the first year – a $250 value*

$399 which may be a tax deductible expense1

$180, which may be a tax deductible expense1

$150 which may be a tax deductible expense1

No fee

Special Offers

Earn 30,000 welcome points by making $5,000 in purchases in your first 3 months of Cardmembership.2 That’s enough to redeem for a $300 TripFlex™ rewards statement credit to use towards eligible travel purchases charged to your Card.12

Earn a Welcome Bonus of 40,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership.34 That’s enough to redeem for a $400 TripFlex™ rewards statement credit to use towards eligible travel purchases charged to the Card.12

Earn a bonus of 2,000 AIR MILES reward miles when you charge a total of $5,000 in purchases to your Card within your first three months of Cardmembership31.

Earn 20,000 Bonus Starpoints®** - enough for up to 5 free nights.4

Earn a Free Weekend Night at hotels and resorts worldwide when you reach $40,000 in purchases each year.5

Earn a 150 reward miles Welcome Bonus – just purchase $1,000 in the first 3 months of Cardmembership.3

Earn 1 point for every $1 in purchases charged to the Card.6 Plus, you can earn 1 extra point for every $1 in eligible purchases charged to the Card at 3 suppliers you pick from a list6 of participating American Express merchants in Canada. You can earn up to a maximum of 250,000 extra points in each calendar year.

Earn 1.25 Membership Rewards points for virtually every dollar in purchases you charge to your Card6

Earn 1 AIR MILES reward mile for every $10 in Card purchases at AIR MILES®* Sponsors and 1 AIR MILES reward mile for every $15 in Card purchases everywhere else32.

Double Dip- Shop at participating AIR MILES Sponsors at over 9,600 locations across Canada with your American Express AIR MILES Gold Business Card and show your AIR MILES Collector Card, and you can earn reward miles from both.

Charge Card - your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history10.

Credit Card - flexibility to pay balance over time. The preferred rate for purchases is 19.99% and funds advances is 21.99%.11

Credit Card - flexibility to pay balances over time. The preferred rate for purchases is 19.99% and funds advances is 21.99%.11

Supplementary Cards

$50 each annually which may be a tax deductible expense1

FIRST YEAR FREE

$199 each annually which may be a tax deductible expense1

$50 each annually which may be a tax deductible expense1.

$50 which may be a tax deductible expense1

No fee

More Ways to Redeem for Travel

Book any travel you can find. Charge it to your Card, then call us to pay for it with points. Taxes and fees, too.12

Plus, transfer your points, at no charge, to many frequent flyer and other loyalty programs13, including 1:1 to Aeroplan®*14 and Avios15.

Book any travel you can find. Charge it to your Card, then call us to pay for it with points. Taxes and fees, too.12

Plus, transfer your points, at no charge, to many frequent flyer and other loyalty programs13, including 1:1 to Aeroplan®*14 and Avios15.

Redeem for Flights, Hotel, Car or choose a Package Vacation or Cruise.

AIR MILES has many ways to get you where you want to go. Use your rewards miles to redeem.

No blackout dates – redeem Starpoints for Free Nights through the Starwood Preferred Guest program§ at the world’s most desired destinations anytime16.

Redeem Starpoints for flights on over 150 airlines with no blackout dates with SPG Flights17.

Redeem for Flights, Hotel, Car or choose a Package Vacation or Cruise.

AIR MILES has many ways to get you where you want to go. Use your rewards miles to redeem.

More Ways to Redeem for Merchandise

The Membership Rewards program has so much to offer your business. A wide range of gift cards, certificates and top brand merchandise, just to name a few, make doing business so very rewarding.
Browse the full selection of Membership Rewards.

The Membership Rewards program has so much to offer your business. A wide range of gift cards, certificates and top brand merchandise, just to name a few, make doing business so very rewarding. Browse the full selection of Membership Rewards

Redeem AIR MILES reward miles from your Dream balance for rewards from the AIR MILES For Business Rewards catalogue, an online catalogue designed especially with the small business owner in mind.

Redeem from more than 1200 rewards, there’s something for everyone; entertainment, kitchen fun, electronics, photography, and so much more.

Basic and Supplementary Card fees may be tax deductible in Canada, if used solely for business purposes; please consult your tax professional.

To qualify for a Welcome Bonus of 30,000 points you must have at least $5,000 in net purchases posted to your account in your first 3 months of Card membership. Account must be in good standing. This offer is not applicable to holders of an existing American Express Small Business Card product. When we stop offering the Welcome Bonus, we reserve the right to accept applications but you will not be eligible for the Welcome Bonus.

Account must be in good standing. To qualify for a Welcome Bonus of 150 AIR MILES reward miles you must have at least $1,000 in net purchases posted to your account in your first 3 months of Card membership.

Account must be in good standing. To qualify for the 20,000 Bonus Starpoints, you must have at least $1,000 in net purchases posted to your account on or before your three month anniversary date. Five nights are based on five mid-week nights, or two weekend nights and three mid-week nights, in a standard room at a Category 2 property. Starpoints required for a free night range from 2,000 Starpoints for a weekend night in a standard room at a Category 1 property to 35,000 Starpoints for any night in a standard room at Category 7 properties. Category 7 properties that are all suites or villas require higher Starpoints redemption. For complete information on reward stays, visit www.SPG.com. Subject to Change. Starwood may change the Category in which a specific SPG participating hotel is classified at any time. The amount of Starpoints required to obtain rooms at SPG participating hotels varies by category of the SPG participating hotel and may also vary by time of year.

Each year if, before the annual reset date, you reach $40,000 in net purchases charged to your account you will earn a Free Weekend Night Award redeemable within 1 year for an available single or double occupancy standard room at a participating Starwood Category 1-4 property for one Friday, Saturday or Sunday night. Account must be in good standing. On the annual reset date, the amount of annual net purchases resets to zero. Additional terms apply.

Account must be in good standing. Membership Rewards points (points) earned by the Basic Cardmember on all purchases, less credits and adjustments. Funds advances, interest, annual, other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for points. A minimum purchase of $0.50 is required to earn points. Earn one (1) point for every $1.00 in eligible purchases charged to your card. Subject to an annual maximum of 250,000 extra points, you can earn one (1) extra point for every $1.00 in eligible purchases made at Your 3 Suppliers which means purchases at Canadian locations of the three suppliers the Basic Cardmember chooses from a predefined list of American Express small business merchants. To view the list of participating merchants visit https://smallbusiness.americanexpress.com/ca/en/supplierlist. List is subject to change without notice. Extra points will not be earned at Your 3 Suppliers if the merchant category for the purchase is not identified. This may happen when the transaction information we receive does not come directly from the merchant, for example, when the purchase is made: i) using your payment account with a third party, ii) using your Card at an online retailer that sells goods and services of other merchants, or iii) if the merchant uses a third party payment service such as a card reader attached to a mobile phone.

Account must be in good standing. AIR MILES reward miles will be earned on the amount of all purchases, less credits and returns. Funds advances, interest, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for reward miles. Accelerated earn rate is available at Sponsors that are American Express merchants. Visit the Eligible Sponsor List at americanexpress.ca/airmiles sponsors for details. List is subject to change without notice. If you are upgrading your Card, new earn rate(s) will apply to credits and returns regardless of the original earn rate for purchases.

Account must be in good standing. Starpoints will be earned on the amount of all eligible purchases, less credits and returns. Funds advances, interest, Amex cheques, balance transfers, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Starpoints.

Each year if, before the annual reset date, you reach $30,000 in net purchases charged to your account you will earn Gold Preferred Guest level of the Starwood Preferred Guest program for a minimum of 1 year (unless you are already enrolled at that or a higher level). Account must be in good standing. On the annual reset date, the amount of purchases resets to zero. Subject to terms and conditions at www.spg.com. If you already have Gold Preferred or Platinum Preferred status with Starwood Preferred Guest, you will retain that status as long as you meet the requirements specified in the Starwood Preferred Guest terms and conditions.

No pre-set spending limit on purchases does not mean unlimited spending. Your purchases are approved based on a variety of factors, including your credit record, account history and personal resources. Proof of resources and security may be required

Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

You can redeem Membership Rewards points for a statement credit toward an Eligible Travel Purchase, which is a purchase charged to your Card at travel retailers we categorize as an airline, hotel, car rental company, cruise line, travel agency, tour operator or online travel website and includes related taxes, booking fees, airport fees and insurance premiums. You must redeem a minimum of 1,000 points for a $10 statement credit. The credit must not exceed the amount of the Eligible Travel Purchase. Eligible Travel Purchases that have been posted to your Card account during the last three months can be viewed online. You can register for online services to view your Eligible Travel Purchases. If you wish to redeem points against an Eligible Travel Purchase that was posted to your Card account within the last 12 months that is not displayed online, please contact us at the number listed on the back of your Card. Other terms, conditions and restrictions apply.

Points transfer ratios vary by participant and transfers can take up to 5 days. Other terms apply. Visit membershiprewards.ca for details.

Membership Rewards points transfers must be made in increments of 100 points, with a minimum redemption requirement of 1,000 points for each transfer. 1,000 Membership Rewards points = 1,000 Aeroplan Miles. Other terms, conditions and restrictions apply. Visit membershiprewards.ca for full Membership Rewards Terms and Conditions.

Membership Rewards point transfers must be made in increments of 100 points, with a minimum redemption requirement of 1,000 points for each transfer. 1,000 Membership Rewards points = 1,000 Avios. Avios are subject to British Airways Executive Club terms and conditions. For more information please visit ba.com.

Free night awards apply to standard rooms only as defined by each participating property; contact the property before booking to check availability. To view the full terms and conditions, visit www.spg.com.

Ticket Price includes Taxes & Fees. Other fees may apply. To view the full terms and conditions, visit www.spg.com.

Program Partners, prices and savings are subject to change without notice. Certain terms and restrictions apply. Details will be provided upon Card approval. To receive savings with a partner, you must charge your eligible purchases to your eligible American Express Card in accordance with the terms and conditions applicable to that partner.

Underwritten by AIG Insurance Company of Canada.

Employee Card Misuse Protection is not insurance. It is a benefit made available to you by Amex Bank of Canada and Administered by Royal & Sun Alliance Insurance Company of Canada. Please read the terms and conditions of the Employee Card Misuse Protection carefully, as they include specific terms, limitations, conditions and exclusions that may affect your coverage.

Travel Accident Insurance is underwritten by ACE INA Life Insurance, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.

Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your American Express® Business Gold Rewards Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental and the type of vehicle covered.

Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your Business Platinum Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental(s) and the type of vehicle covered.

Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your AIR MILES Platinum Business Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental(s) and the type of vehicle covered.

Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your Starwood Preferred Guest®* Business Credit Card from American Express®. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental(s) and the type of vehicle covered.

Underwritten by RBC Insurance Company of Canada.

Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages are underwritten by RBC General Insurance Company.

All the services associated with the Travel Emergency Assistance are provided worldwide with the exception of some countries (it is best to check with Customer Service). In addition, services may be limited or prevented by acts of God, war, civil commotion, labour disputes, unavailability of goods or services, or refusal of permission by local authorities.

Not an insurance coverage. Concierge services arranged through StandbyMD and may be subject to contractual terms and conditions of StandbyMD. Fees may apply. Please consult your StandbyMD Terms and Conditions for full details. StandbyMD is a Service Mark of Healthcare Concierge Services, Inc. All rights reserved.

AIR MILES Business Redemption Benefit: To be eligible for the 25% AIR MILES for Business Rewards discount, you must be an American Express AIR MILES for Business Cardmember. When you redeem AIR MILES reward miles for any of the items available in the AIR MILES For Business Rewards catalogue, you can receive a 25% discount off the posted number of AIR MILES reward miles required to redeem. This benefit does not include AIR MILES®* Cash redemptions, does not apply to the cash amounts that the Collector either agrees to pay or is required to pay in connection with a redemption, and cannot be combined with any other offer.

Welcome Bonus – Subject to change without notice. Account must be in good standing. To qualify for the 2,000 bonus reward miles, you must have at least $5,000 in net purchases posted to your account within your first three months of Cardmembership. Please allow up to eight weeks from the date the bonus reward miles were earned for the bonus to be awarded. This offer cannot be combined with any other offer.

You can earn AIR MILES reward miles for eligible retail purchases at American Express merchants in Canada as follows:
• 1 reward mile for every $10 at AIR MILES Sponsors. Visit the eligible Sponsor list at americanexpress.ca/airmilessponsors. List is subject to change without notice.
• 1 reward mile for every $15 of other card purchases Provided your account is in good standing, reward miles can be earned on eligible purchases less returns and other credits. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travelers cheques and foreign currencies are not purchases and do not earn reward miles.

Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your American Express AIR MILES for Business Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental and the type of vehicle covered.

To qualify for a Welcome Bonus of 40,000 points you must have at least $5,000 in net purchases posted to your account in your first 3 months of Card membership. Account must be in good standing. This offer is not applicable to holders of an existing American Express Small Business Card product. When we stop offering the Welcome Bonus, we reserve the right to accept applications but you will not be eligible for the Welcome Bonus.

AIR MILES legal disclaimer:
All Rewards offered are subject to the Terms and Conditions of the Program, are subject to change and may be withdrawn without notice. Some restrictions apply. Quantities may be limited. Merchandise rewards include all taxes, shipping and handling costs. Collectors must pay taxes, fuel surcharges and other applicable charges and fees on air, hotel and car rental Rewards. Travel Rewards are subject to a minimum 7-day advance booking and availability from participating Suppliers. Flight must be booked no later than 6 p.m. Eastern Time on the 7th day prior to departure. Saturday night stay may be required. No cancellations, exchanges or refunds on tickets, certificates or merchandise once booked. For complete details, see current Program Terms and Conditions available at www.airmiles.ca or the AIR MILES Customer Care Centre at 1-888-AIR MILES (in Toronto (416) 226-5171).

† All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read the Certificate of Insurance carefully.

® Used by Amex Bank of Canada under license from American Express

®*Aeroplan is a registered trademark of Aeroplan Limited Partnership used under license.